A Citi credit card may just be the right card for you whether you are looking for a card with rewards or one with a long period of 0% APR on balance transfers and purchases. Citicards are one of GET.com's preferred choice of cards that can help you earn more air miles when you fly on American Airlines or earn free hotel nights at Hilton. What's more, most Citicards now have chip technology, which makes it safer against fraud. If you have good to excellent credit, take a look at these best Citicards in the market right now.
Citi® Double Cash Card – 18 month BT offer, a partner card, stands out because it lets you earn cash back twice on every purchase (unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases). Now, that is a real opportunity to earn decent cash back just by being responsible with your card payments. Cash back can be redeemed for gift cards, checks, or statement credit. There's no need to enroll in cash back categories and there's no limit to the amount of cash back you can earn. You get a 0% intro APR for 18 months on Balance Transfers. After that, the regular 14.24% - 24.24% variable APR will apply (click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases). If you are looking for a card that earns you cash back twice with no annual fee, Citi® Double Cash Card – 18 month BT offer is the best option. Here's our review of Citi® Double Cash Card – 18 month BT offer.
Citi Simplicity® Card - No Late Fees Ever is a great card for people who want to do a 0% balance transfer to cut any existing debt. It comes with 0% intro APR on purchases and balance transfers for 21 months, and after that, you will have a 14.24% - 24.24% variable APR on purchases and balance transfers. You can transfer almost any kind of debt to this card, including student loans, car loans or store card debt. Citi Simplicity® Card - No Late Fees Ever can truly simplify your life - there are no late fees, no penalty APR, no annual fee, ever. So there's less worry for those times when you don't manage to pay on time. This card also comes with additional perks such as free extended warranty and retail purchase protection. We absolutely love the free Citi® Price Rewind benefit which searches for a lower online price on your registered purchases after checkout. Here's our Citi Simplicity® Card - No Late Fees Ever review.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is designed to help you earn AAdvantage® miles just by using it for your everyday spending. As a welcome offer you can earn 30,000 American Airlines AAdvantage® bonus miles by making $1,000 in purchases in the first 3 months after account opening. You earn 1 AAdvantage® mile for every $1 of purchases you charge to this card, so just using this card to pay for anything helps you earn miles towards award travel. Plus you earn 2 AAdvantage® miles for every $1 that you spend on eligible American Airlines purchases. When you redeem your miles for travel, you earn 10% of your redeemed AAdvantage® miles back (up to a maximum of 10,000 AAdvantage® miles each calendar year). But besides helping you get miles, this card also entitles you to special privileges when flying with American Airlines. For example, your first checked bag is free on domestic American Airlines itineraries. This free first checked bag benefit applies to you and up to 4 companions traveling with you on the same reservation, so your family can enjoy it too. Enjoy Group 1 Boarding when you fly with American Airlines, and receive 25% savings when you use this card to make in-flight food and beverage purchases on American Airlines flights. You can use this MasterCard to pay at millions of merchants around the world, and it has no foreign transaction fees. There is a $95 annual fee (waived for the first 12 months). Find out more in our Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® review.
Citi® / AAdvantage® Executive World Elite™ Mastercard® is a more exclusive American Airlines credit card which lets you earn 10,000 Elite Qualifying Miles from American Airlines each year (January through December billing statement) in which you charge $40,000 of purchases to it. As a cardholder you get complimentary Admirals Club® membership with guest privileges, so you can relax in a lounge instead of being bumped around crowded waiting areas. When traveling with American Airlines on domestic itineraries, your first checked bag is free (for you and up to 8 companions traveling with you on the same reservation). Every 5 years you will receive a statement credit of up to $100 as reimbursement for your Global Entry or TSA Pre✓® application fee. Other benefits include an expert concierge service (24/7), 25% savings on eligible in-flight purchases when flying with American Airlines, and broad travel insurance coverage (trip cancellation & interruption protection, lost baggage protection, worldwide car rental insurance, worldwide travel accident insurance). When you successfully apply for this card and charge $5,000 of purchases within the first 3 months of account opening, you earn 50,000 American Airlines AAdvantage® bonus miles. You earn 2 AAdvantage® miles for every $1 of eligible American Airlines purchases. You also earn 1 AAdvantage® mile for every $1 you spend on other purchases. This high-end card has a $450 annual fee. Read our review of Citi® / AAdvantage® Executive World Elite™ Mastercard® here.
Citi® Diamond Preferred® Card has a very attractive introductory 0% APR period. You benefit from 0% intro APR on purchases and balance transfers for 21 months, which makes this a very useful card for paying off large credit card debts. You can transfer balances from your other credit cards within 4 months of opening your new account to take advantage of the long intro APR period this card offers, just note that a balance transfer fee of either $5 or 3% of the transferred amount applies to every transfer. After the intro APR period, the standard 13.24% - 23.24% variable APR (based on your creditworthiness) applies. If you plan to make a big purchase, the intro APR period on purchases makes it easy to pay off big-ticket items over time without paying interest. But the intro APR period is just one of several benefits you get with this card. The 24/7 concierge service can help you make travel bookings, shop, or take care of other time-consuming facts of life. That's a rare privilege to get on a card with no annual fee. If you like to be entertained, the special access you get to preferred seating, presale tickets, and other event perks through Citi® Private Pass® could make your life that little bit more fun. Trip Cancellation & Interruption Protection (reimburses you if unforeseeable circumstances force you to cancel or interrupt a trip) is another high-end travel benefit that you get with this card, as is damage & theft purchase protection (covers things you purchase with this card for accidental damage or theft). Read our review of Citi® Diamond Preferred® Card here.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is an American Airlines credit card for businesses which already have an established credit history. Using this card to pay for your American Airlines bookings gives you solid benefits. You and up to 4 companions traveling on domestic American Airlines itineraries get your first checked bag free. You also get group 1 boarding on American Airlines flights, and save 25% on eligible American Airlines in-flight purchases. Every year in which you charge at least $30,000 to this card, you earn an American Airlines Companion Certificate ($99 domestic economy fare). When you use this card to pay for eligible American Airlines® purchases, you earn 2 AAdvantage® miles per $1 spent. You also earn 2 AAdvantage® miles for purchases from telecommunications, car rental merchants and at gas stations. Every dollar you spend on other purchases using this card earns 1 AAdvantage® mile. As a welcome offer, earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases with your card within the first 3 months of account opening. Business perks include online annual and quarterly account summaries and employee cards at no extra cost (you earn AAdvantage® miles for purchases made on employee cards as well). No foreign transaction fees. There is a $95 annual fee (waived for the first 12 months). Get more information in our review of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® here.
Costco Anywhere Visa® Card by Citi lets you earn 2% cash back on all other purchases from Costco (and Costco.com). But what makes this card really attractive is that you earn 4% cash back on the first $7,000 spent in gas purchases per year (1% thereafter). Plus you earn 3% cash back on restaurants and eligible travel purchases. All other purchases earn 1% cash back. You get a 0% intro APR for 7 months on purchases with a standard 15.99% variable APR after that. This card has no annual fee, but you must be a Costco member to apply. Get more info in our review of Costco Anywhere Visa® Card by Citi here.
Citi ThankYou® Preferred Card has benefits like Citi's Personal Concierge Service, Citi Price Rewind (this helps you find lower prices on stuff you buy and reimburses the difference if a lower price is found within 60 days), trip cancellation and interruption protection, worldwide travel accident insurance, car rental insurance (worldwide), and purchase protection coverage against accidental damage or theft which make this a good card to use around town or while traveling. It also has a bonus offer that lets you earn 15,000 bonus points after spending $1,000 in purchases with your card in the first 3 months the account is open. Every dollar of purchases charged for dining at restaurants and on entertainment earns 2 ThankYou® Points. You earn 1 ThankYou® Point per dollar for your other purchases. Your points don't expire and there is no limit to the amount of points you can earn. This no annual fee credit card packs a solid rewards program and useful benefits. Read our review of Citi ThankYou® Preferred Card here.
Citi Prestige® Card is the card to get if you want top travel benefits and don't mind paying for them. Although it does have a $450 annual fee, using it lets you get $250 Air Travel Credit each year, a complimentary 4th night for any hotel stay, complimentary access to hundreds of VIP lounges through Priority PassTM Select plus American Airlines Admirals Club® lounges, and a $100 Global Entry application fee credit once every 5 years. You earn 40,000 bonus points after charging $4,000 in purchases to your card within the first 3 months after your account is opened. Earn 3x points per dollar on air travel and hotels, 2x points per dollar on entertainment and dining at restaurants, and 1 ThankYou® Point for every $1 that you spend on other purchases. Benefits you get when you charge travel bookings to this card, like trip cancellation and interruption protection, trip delay protection, worldwide travel accident insurance, worldwide car rental insurance, medical evacuation cover (for up to $100,000 of medical evacuation costs), lost baggage protection and baggage delay protection make this card a valuable travel companion. Other perks like 90 day return protection, Citi Price Rewind (reimburses the difference if a lower price on something you buy is found within 60 days), damage and theft purchase protection, and missed event ticket protection will benefit you in everyday life. Depending on your lifestyle, this card has the potential to save you money and enrich your life. Learn more in our full review of Citi Prestige® Card here.
Citi ThankYou® Preferred Card for College Students is a great option for college students who are looking for a card to help establish credit while earning rewards at the same time. This card lets you earn 2,500 bonus ThankYou® Points when you spend $500 on this card within the first 3 months of card membership. The card comes with 0% intro APR on purchases for 7 months, and 14.74% - 24.74% variable APR thereafter. You can earn 2 ThankYou® Points for each dollar you spend dining at restaurants and on entertainment, and 1 ThankYou® Point for each dollar you spend on other purchases. You'll also benefit from chip technology that will help you feel at ease when traveling since Citi ThankYou® Preferred Card for College Students will be accepted worldwide. You'll be happy to know there's no annual fee. Here's our Citi ThankYou® Preferred Card for College Students review.
Expedia®+ Card from Citi is the card to get if you book all or most of your travel through Expedia, and want to save by earning rewards on your spending. You earn 3 Expedia+ bonus points for each $1 you spend on eligible Expedia purchases (flights, hotels, activities, travel packages). You also earn 1 Expedia+ bonus point for each dollar of other purchases that you charge to this card, so using this card to pay for your groceries and other regular spending helps you save on travel. Plus, you earn 15,000 Expedia+ rewards bonus points after you charge $1,000 of purchases to this card within 3 months of account opening. You can redeem your points for $200 towards your stay at a +VIP AccessTM hotel. Enjoy complimentary Expedia+ silver status each year of cardmembership, and earn 1 Elite Qualifying Hotel Night towards Expedia+ gold status for every $2,500 increment of purchases charged to the card between your January and December billing statements. Read our Expedia®+ Card from Citi review to find out more.
Expedia®+ Voyager Card from Citi lets you enjoy complimentary Expedia+ gold status each year of cardmembership. You get a $100 annual air travel fee statement credit which you can use towards incidental fees on qualified airlines, Global Entry or towards TSA Pre √® application fees. Earn 25,000 Expedia+ rewards bonus points after charging $2,000 of purchases to this card within 3 months of account opening. You can redeem your points for $350 towards your stay at a +VIP Access™ hotel. You earn 4 Expedia+ bonus points for each dollar you spend on eligible Expedia purchases (flights, hotels, travel packages, activities) using this card. A big perk of this card is that you earn 2 Expedia+ bonus points for each $1 you spend on purchases for entertainment (concert tickets, movie tickets, tickets to sporting events) and for dining out. So you can earn award travel during your leisure time as well. You earn 1 Expedia+ bonus point per $1 for other purchases charged to this card. Learn more in our full Expedia®+ Voyager Card from Citi review.
Citi® Secured MasterCard® gives you many of the benefits you might be used to from regular credit cards, including the freedom to use the card at any merchant or ATM which accepts MasterCard, complimentary travel insurance (including trip cancellation and interruption insurance), purchase protection and extended warranty. At the same time, it is a secured card, which means you pay down a security deposit (minimum $200) and receive a line of credit equal your deposit, up to a maximum credit line of $2,500. There is a 23.24% variable APR, so avoid carrying a balance on this card. This is a good card to use if you need to build your credit, because monthly notifications are sent to the credit bureaus. There card has a $0 annual fee. Read our review of Citi® Secured MasterCard® here.
Costco Anywhere Visa® Business Card by Citi is a great card to use if you are looking to earn cash back on your gas purchases. Earn 4% cash back on the first $7,000 you spend on eligible gas purchases at Costco every year, after that you will earn 1% for any additional gas purchases you make. Earn 3% cash back on travel purchases made through travel agencies including Costco Travel, such as hotel accommodations, airline tickets, travel bookings, and car rentals. You also earn 3% cash back for any purchases you make at fast food restaurants, restaurants, cafes, bars and lounges. On all other purchases made from Costco and Costco.com you earn 2% cash back. Earn 1% cash back on all other purchases. This card has a 0% intro APR for 7 months on purchases, after that a 15.99% variable APR applies. No annual fee. Read our review of Costco Anywhere Visa® Business Card by Citi here.
Pedro Pla is co-founder of GET.com. He has been around the globe several times and considers collecting air miles and points from credit cards to be a hobby, if not, an obsession. Email: firstname.lastname@example.org.
Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.